Hi,
Here is the situation:
I have legally parked my car in the side of one street in Montreal and left. When I came back I noticed that the windshield glass of the non-driver side is badly damaged. A note was placed from a bike rider mentioning that he was forced to land on my windshield as an attempt to avoid a collision with a truck and he left me his phone number. I called him and thanks God he is in a good shape with no injury. He asked me to claim the cost to fix the windshield through my insurance. I was not sure about that as my insurance is only for the civil Liability and it doesn't include the loss or damaged to the insured automobile. He mentioned it might be OK as it is not my fault. I promised him to ask my insurance and let him know. Now I have to wait till Monday when my insurance adviser will be able to answer my inquiry. I doubt that they can do anything for me about it.
I really don't know what to do? First, should I get a police report for the incident? Is it really my insurance company which should be looking into this? If it is possible and if I do a claim through my insurance company, will this affect my future insurance quotes? Is there any insurance that cover the bike riders that I should be referred to? Or is it the fully responsibility of the Bike rider who kindly left me his number? I really appreciate that from him as I know he could have left easily the incident place without me knowing anything about him.
CanadianDrivers, What do you think is the best action to do in this case?
Your input is really appreciated....
Many Thanks